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2026 Supreme(Online)(Ker) 9702

IN THE HIGH COURT OF KERALA AT ERNAKULAM
GOPINATH P., J
RADHIKA T. – Appellant
Versus
KILIMANOOR CO-OPERATIVE AGRICULTURAL AND RURAL DEVELOPMENT BANK LTD – Respondent


Advocates:
For the Appellants/Petitioners: SMT.DONA AUGUSTINE
For the Respondents: SRI.K.SIJU, SHRI.S.ABHILASH, SMT.ANJANA KANNATH, SMT.SAFNA P.S.

JUDGMENT

Petitioner along with her husband availed credit facilities from the respondent bank. This writ petition has been filed challenging the recovery proceedings initiated by the respondent bank to recover amounts due under credit facilities availed by the petitioner from the respondent bank.

2. Learned counsel appearing for the petitioner would submit that the petitioners could not repay the loan on account of financial stringency . It is submitted that the petitioner may be permitted to clear the overdue amount in some instalments.

3. Heard the learned counsel appearing for the respondent bank also. Learned counsel appearing for the respondent bank would submit that, the overdue amount, as on 09.02.2026, is Rs.11,10,500/- (Rupees Eleven lakhs ten thousand and five hundred only) and the respondent bank has no objection in granting some reasonable instalments to the petitioner to clear the overdue amount.

4. Having regard to the circumstances of the case and the submissions made as recorded above, I am of the view that the petitioner can be granted an opportunity to repay the overdue amount in fifteen instalments.

5. Accordingly, there will be a direction to the respondent bank to

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